The function of a banking institution is to provide credit services for the economic continuity of society. Loans given to debtors must be accompanied by collateral. One form of collateral is generally a certificate of land rights and one example is Building Use Rights (HGB). With this, there are many problems between debtors and creditors in handling collateral with the object of building use rights. Therefore, this legal research will discuss what problems arise when debtors provide building use rights guarantees to creditors (banks). This research uses a prescriptive normative research method with a statutory approach, a conceptual approach and a case approach based on the problems that occur. Based on this legal research, the author concludes that when the debtor guarantees the Building Use Rights, problems will arise for the debtor, namely the term of the HGB cannot be extended and the Building Use Rights can not be upgraded to Ownership Rights if the HGB is still encumbered with Mortgage Rights.
 
 

This study aims to analyze marketing strategies through experiential marketing carried out by the management of Osing Deles Cafe and Resto Banyuwangi in order to create customer loyalty, especially generation Z. This research is a qualitative research with a case study approach. The research technique was carried out by observing and interviewing predetermined informants. The results of the study show that the marketing strategy carried out by the Osing Deles cafe manager through experiential marketing can be said to have succeeded in creating consumer loyalty, especially the millennial generation. As for the experiential marketing strategy, the first is related to sense experience, namely by designing unique and attractive café interiors, fragrant rooms, tempting food aromas and the availability of live music by bringing in famous singers. The second relates to the feel experience, namely by providing friendly service to customers and providing promotions such as price discounts and purchases 2 get 1 free. The third relates to the think experience, namely by providing a variety of unique food and beverage menus so that consumers have many menu choices to choose from. ordered. The fourth is related to act experience, namely by designing rooms with traditional themes to introduce and preserve the culture of the archipelago, especially the Osing tribe so that young people also know about the rich culture that exists. The fifth relates to relate experience, namely by providing solutions to complaints that customers feel related to services and menus ordered and serving them well.